calculating title insurance rates

• A title insurance rate calculator helps estimate the cost of title insurance and related fees for your transaction. These calculators typically factor in the property type, purchase price, loan amount, and location.

• Rates and fees vary by state — some states, like New York and Pennsylvania, are rate-regulated, meaning title premiums are set by state-approved schedules. Others may allow for more competitive pricing among providers.

• Additionally, fees such as municipal searches, endorsements, and closing charges may differ depending on local requirements, county filings, and the complexity of the transaction. While calculators provide a useful estimate, a licensed title professional should always verify final costs.

• First American Rate Calculator:  Home (firstam.com) 
• Stewart Title Rate Calculator:  Stewart Rate Calculator 
• Old Republic Rate Calculator:   Rate Calculator | Old Republic Title 
• AmTrust Title Rate Calculator:   ASAP — Home 

 Here’s a general range of common ancillary charges you may encounter at closing. Actual costs may vary depending on the property, transaction type, and municipal jurisdiction.

• Municipal Department Searches – $500.00 ($380 in Westchester County)
  Investigates local records for building violations, permits, and certificates of occupancy.
   
• Patriot Name Search – $25.00 per name
  Screens individuals or entities against federal watch lists for compliance with anti-terrorism laws.
   
• Bankruptcy Search – $25.00 per name
  Identifies any bankruptcy filings associated with the parties involved in the transaction.
   
• Recording Service Fee – $25 per document
  Administrative fee for submitting documents for official recording with county clerks.
   
• Recording Fee (Standard) – Varies by County per document
  Government-imposed charges for recording deeds, mortgages, and other legal documents.
   
• UCC Filing Fee – $125.00 (excludes Nassau and Suffolk block/lot fee)
  Files a lender's security interest in personal property related to the real estate transaction.
   
• UCC Termination Fee – $125.00
  Removes a previously filed UCC financing statement once the associated debt is satisfied.
   
• UCC Search (County or State) – $100 per jurisdiction
  Examines UCC filings at both county and state levels to uncover existing liens on personal property.
   

• Survey Inspection – $95.00
  Physically verifies property boundaries and improvements against existing surveys.
   
• Tax Search – $75.00
  Checks for outstanding property taxes and assessments that could result in liens.
   

• Judgment & Lien Search – $325.00 per name
  Identifies any court judgments or liens against the property or involved parties.
   
• Foreclosure Search – $625.00
  Investigates whether the property has been subject to foreclosure proceedings.
   
• Litigation Search – $125.00
  Uncovers ongoing or past litigation that could affect the property's title.
   

• Certificate of Good Standing – $187.50
  Confirms that a business entity is authorized to operate within the state.
   
• Certificate of Incorporation/Formation – $187.50
  Provides official documentation of a company's creation and legal status.
   
• Certified Copies – $62.50 per document (plus page count)
  Obtains officially certified copies of legal documents from public records.
   

• Co-op Lien Search – $500.00
  Examines liens and assessments specific to cooperative housing units.
   
• Zoning Lot Certification – $937.50
  Verifies zoning compliance and provides certification for development purposes.
   
• Covenant & Restriction Search – $250.00
  Identifies any covenants, conditions, or restrictions affecting the property's use.
   
• Landmark Search – $125.00
  Determines if the property is designated as a landmark or is within a historic district, which may impose usage restrictions.